One last thing

Okay, one more thought for the night. I am Reeeeaaaally tired, and should be doing some math problems, but I had to track down a dis-congruity in my bank account. I keep VERY detailed spread sheets of my finances, and I was actually kind of impressed. I was able to figure out exactly were I made an accounting error, and it was pretty easy to fix. I started doing these spread sheets about three years ago, and I'm been tweaking the format as I use them, but I think I've got a pretty good system now, it's very intuitive and visual. I can keep track of where my money is going, spending patterns, and even get some hard data on how much I'm spending per day over the entire month. It's pretty cool.

This is a screen cap with some bullshit information on it. I was going to put up a legit graph, but I realized that that was a TERRIBLE idea. I just entered some general data to demonstrate how it works. The left hand graph shows spent vs. unspent, the center graph is a break down of what catatogies my money is going into, and the smallest version of this graph is the same thing, but it includes all the unspent income in black. It also breaks stuff down into percentages spent in each category, my goals for savings each month and how much Actually makes it into savings after all is said and done. It doesn't work for everyone, but I'll be damned this this works awesome for me.